How do you get homeowners insurance with wind coverage?
Short answer. In most of Georgia, wind is already included in a standard homeowners policy, so the real shopping questions are the size of the wind and hail deductible, how the roof is settled, and whether any wind exclusion or named storm deductible applies. Near the coast, some insurers exclude wind, and you may need a separate wind policy or Georgia's FAIR Plan.
Questions to ask about every quote
- Is windstorm a covered peril, with no wind or hail exclusion endorsement?
- What is the wind and hail deductible, flat or a percentage of Coverage A?
- Is there a hurricane or named storm deductible?
- Is the roof on replacement cost, actual cash value or a payment schedule?
- Is there a cosmetic damage exclusion?
- What does the insurer require on roof age or condition to write the policy?
Comparing quotes fairly
A cheaper premium often comes from a bigger deductible or a weaker roof settlement. Price the same scenario on each quote: what would you pay out of pocket on a $16,000 roof replacement after a windstorm? A 2 percent deductible on a $400,000 dwelling limit is $8,000, which can wipe out years of premium savings in one storm.
Coastal Georgia
In coastal counties, some insurers limit or exclude wind, or apply a hurricane deductible. If the private market will not offer coverage, Georgia's FAIR Plan, the Georgia Underwriting Association, is a last resort for property coverage. An independent agent can tell you what is available at your address.
Things that help you qualify and save
- A newer roof, documented with an invoice.
- Impact-resistant or high wind rated shingles.
- A hip roof shape, which tends to resist wind better than a gable.